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Due to this authorized requirement many Hong Kong insurance firms offer a Maid Insurance plan which includes Employee Compensation Insurance protection; satisfying the legal minimal for protection of the home worker. This may mean forcing a health insurance firm to pay for a procedure that they wrongly claimed was experimental, or paying below your auto insurance policy’s uninsured motorist’s coverage if the driving force who injured you had no coverage. In 2013, extremely revered Seattle Children’s Hospital waged a profitable legal battle with the Insurance coverage Commissioner’s Workplace and three major insurers. How a lot advantages you’ll be paid relies on your automotive insurance coverage coverage coverage situations and options. The stress caused by authorized matters can by no means be underplayed because there is not any assure of what the end result will be in civil and prison suits.
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The second sort of medical insurance plan broadly accessible in Hong Kong is that which is often known as Worldwide Well being Insurance,” or Worldwide Private Medical Insurance” (IPMI) protection. In the event you’re renting your home in Hong Kong (which is able to most likely be the category the vast majority of people reading this article fall into) you then need not worry about fire insurance coverage protection as your landlord could have already purchased this to cowl his property. House insurance coverage brings a peace of mind to know your loved ones’s home is protected and covered.